There are about 10 million auto accidents each year, meaning there’s a good chance you’ll likely be involved in one at some point in your lifetime. If you have an accident and believe you’re at fault, there are several things you’ll want to do following the crash.
Never Admit Fault
Immediately following an accident there are several steps both drivers are expected to follow. If your car is in working condition, pull to the side of the road. You’ll also want to exchange all relevant personal and insurance information. However, even if the accident is clearly your fault, never admit it to the other driver or say anything potentially incriminating like, “I’m so sorry for hitting your car.” Also avoid admitting fault when speaking to police and your San Diego auto insurance agency.
Find out Your What Insurance Covers
Depending on your insurance coverage, you might be footing the bill for damages if you’re at fault. Drivers with minimal liability coverage are responsible for their own repairs and medical bills after an accident in which they’re at fault. Drivers with comprehensive collision coverage and medical payments coverage are typically covered by insurance even when the crash is their fault. If you’re unsure what type of coverage you have, call your insurance agency or access your policy online to find out what you’ll be financially responsible for.
Contact Your Insurance Agency
Aside from filing a claim after the accident, if the driver or passengers in the other vehicle sue you, immediately notify your insurance agency and forward any paperwork you receive from the party who is suing. Most insurance agencies will provide an attorney to represent you. However, this may depend on your insurance agency and coverage. Also, if the other party is suing for more than your policy covers or you have other assets to protect, you might still want to hire a personal attorney.
If you’ve been at fault in an auto accident and are looking for cheap auto insurance in San Diego, call (619) 325-0326 and speak with a professional insurance agent from American Tri-Star. We’re a trusted provider of car insurance in San Diego and can assist you in finding low cost, comprehensive coverage for your needs and budget.